Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$40,461Cash toward the purchase price.
Closing costs + prepaids$11,753Not just lender fees.
Before credits & paid funds$52,214The complete starting cash picture.
Estimated remaining funds due at closing
$52,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,460.79
Your down payment$40,460.79
Closing costs + prepaids$11,753.18
Total buyer cash needed$52,213.97
Remaining funds due$52,213.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,637.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$441.50
Initial HOA (3 months)$225.00
Prepaid interest, first (10 days)$550.98
Fees + prepaids$11,753.18
Your down payment is the seller’s equity. You take over the $327,539 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $52,213.97 is due at closing. Uses and sources reconcile at $379,753.18 each. Not a Closing Disclosure.